What type of insurance provides coverage for non-owned vehicles used for business purposes?

Hired and non-owned auto insurance specifically addresses the coverage for vehicles that are not owned by an organization but are used for business purposes. This type of insurance offers protection when employees or representatives of a business utilize their personal vehicles or rented vehicles for work-related activities. It is essential for businesses that do not own a fleet of vehicles but still require coverage for the use of vehicles as part of their operations.

In contrast, commercial auto insurance generally covers vehicles owned by a business, providing liability and physical damage coverage for those company-owned vehicles. Personal auto insurance is designed for individual use and does not cover vehicles that are used for business purposes, which is why it would not be suitable for this scenario. General liability insurance provides coverage for bodily injury and property damage as a result of the business’s operations but does not cover vehicles or their use. Thus, the hired and non-owned auto insurance stands out as the most appropriate choice for covering non-owned vehicles used in a business context.